@buildwithjuwana: Tip #2 💳 How to Use Credit Cards the Smart Way & Keep Your Debt-to-Income (DTI) Balanced Using credit cards isn’t about spending more — it’s about managing money wisely. ✨ Here’s how to stay on track: • Keep your credit utilization under 30% (this means only using $300 of a $1,000 limit) • Pay your balance in full whenever possible to avoid interest • Make payments on time — every time • Don’t open too many cards at once 💡 Why it matters: Lenders look at your DTI (Debt-to-Income ratio) to decide if you’re financially healthy. Staying below 30% shows you’re in control and not overextended. Stay disciplined. Build smart habits. Watch your credit grow 📈 For more tips like, follow & share

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Friday 27 March 2026 19:00:21 GMT